Unenforceability & Template Letters III

never-in-doubt

df1day wrote: »

Do I still send the letter as planned or does this default notice change anything?

Hiya

Nope proceed as planned, send the reminder letter - the default is expected and quite normal.

never-in-doubt

Rainbow_Liberty wrote: »

I used to just pay Robbers all the way 11p a month so they will take whatever you offer. Only stopped recently thanks to Niddy

Hiya

Re: Barclays Loan - Check your email

Rainbow_Liberty

never-in-doubt wrote: »

Hiya

Re: Barclays Loan - Check your email

Thanks for checking it so quickly.

OK so where do I go from here then if it is enforceable. This is the only one showing up on my credit file and it defaulted in May 2005. I had been paying £1 a month but ceased that recently.

I still haven't heard anything back from the others yet.

never-in-doubt

Rainbow_Liberty wrote: »

Thanks for checking it so quickly.

OK so where do I go from here then if it is enforceable. This is the only one showing up on my credit file and it defaulted in May 2005. I had been paying £1 a month but ceased that recently.

I still haven't heard anything back from the others yet.

Where do you want to go from here? Do you want to pay it or blag it and take your chances? You decide......

Rainbow_Liberty

never-in-doubt wrote: »

Where do you want to go from here? Do you want to pay it or blag it and take your chances? You decide......

Well in that case I don't have much of a choice, I don't have the money to be able to repay it, so what's the blag it route and what are the possible outcomes.

never-in-doubt

Rainbow_Liberty wrote: »

Well in that case I don't have much of a choice, I don't have the money to be able to repay it, so what's the blag it route and what are the possible outcomes.

Send this - CCA Query

The outcome will be they hassle you for a bit. If they feel they have a good enough case they will threaten legal action at which point the worse they can do is obtain a CCJ, we'd stop that happening and then come to some arrangement - but due to the default date all we gotta do is keep them sweet for a few years, obviously not contacting them at all is the key after sending the above letter. Barclays are not reknown for issuing court proceedings for such small amounts, anyway you would also reclaim all PPi as linked to the loan and this would be refunded to the overall amount, prior to any formal repayment schedule....

Does that help? Don't worry, i'll not let them do anything bad to you

Rainbow_Liberty

never-in-doubt wrote: »

Send this - CCA Query

The outcome will be they hassle you for a bit. If they feel they have a good enough case they will threaten legal action at which point the worse they can do is obtain a CCJ, we'd stop that happening and then come to some arrangement - but due to the default date all we gotta do is keep them sweet for a few years, obviously not contacting them at all is the key after sending the above letter. Barclays are not reknown for issuing court proceedings for such small amounts, anyway you would also reclaim all PPi as linked to the loan and this would be refunded to the overall amount, prior to any formal repayment schedule....

Does that help? Don't worry, i'll not let them do anything bad to you

Sounds fair enough to me, I've 100% faith in you. Will get letter sent out tomorrow.

Thanks again

hayley5_2

Does anyone know if the same rules regarding unenforceability apply in Scotland? Also if I go ahead with CCA requests will it hinder my current DMP at all? Thanks.

discojam

Hi NID a while ago I posted about my debt that is with Lowell Financial, I posted off that letter before waiting for your response? (I dont know if you remember I was suitably scared but you made me feel better in the end sorry I know you must have loads of people you're helping at mo!!)

I had a reponse from them a couple of weeks ago saying that it was too long ago since the agreement was taken out they couldnt get the original credit agreement from Sainsburys so were closing the file and wouldnt contact me again.
So I thought that was all fine was quite happy with that!

Then got a letter from them yesterday saying they had my credit agreement enclosed and to me it looks pretty enforceable I just wanted to get you to have a look over it, I've got it with me at work today so will try and scan it in at lunch, the default for this dropped off my credit report at the end of April so was just wondering what sort of position I'm in do you think their next step will be to apply a CCJ?

Well I guess you need to look at the agreement before answering any of my questions so will get onto scanning that in!

Thanks

discojam

Ive just looked back and we last spoke about here:

https://forums.moneysavingexpert.com/discussion/comment/31230273#Comment_31230273


thanks